Commonly-Asked Financial Policy Questions

For your convenience, we have answered a variety of commonly-asked financial policy questions. If you need further information about any of these policies, please ask to speak with one of our Business Office Representatives.

If You Have	You Are Responsible For
No Insurance/Self Pay:	Payment is expected in full at the time of service.
Motor Vehicle Accidents:	Southwest Shoulder Elbow and Hand Center, PC does not file insurance claims for motor vehicle accidents. Payment is expected in full at time of service.
Commercial Insurance:	Also known as indemnity, "regular" insurance or 80%/20% coverage. Payment of the "patient's responsibility" for all office visits and procedures will be expected at the time of your visit.
HMO & PPO Plans:	If the services you receive are covered by the plan: All applicable copays and deductibles are requested at the time of the visit. If the services you receive are not covered by the plan: Payment in full is requested at the time of the visit.
Point of Service Plan or Out of Network Plan:	Payment of the "patient responsibility" - i.e. deductible, copay, non-covered services is expected at the time of the visit.
Medicare:	We will file all claims to Medicare and any secondary insurance. It is your responsibility to provide our office with any supplemental insurance information. We will send you a statement for any charges not covered by Medicare and your secondary insurance.
Secondary/Supplemental:	As a courtesy we will bill your secondary or supplemental insurance. Once payments have been received from your insurance plans the remaining balance is the patient's responsibility.
Worker's Compensation:	If our office has received your claim information and authorization no payment is necessary at the time of the visit. If claim information and/or authorization has not been received payment in full is requested at the time of service.